Here's your crisis: Student loan debt isn't a myth by Chris Lewis and Layla Zaidane

According to the writers,what specific factors indicate that student debt is a national crisis?

The writers point out that a large number of recent graduates with jobs are "not putting their degree to use". What do they mean by this? If these graduates are employed, what does the fact that they are not using the degrees they earned have to do with the student loan crisis?

Any help I can get with the following questions, i would really appreciate it.